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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $77,955 | $81,276-4.1% | $155,574-49.9% | $80,925-3.7% |
| Participation rate | 96.8% | 66.2%+30.5pp | 78.2%+18.6pp | 67.7%+29.1pp |
| Annual return | 10.82% | 33.36%-22.5pp | 64.87%-54.0pp | 35.65%-24.8pp |
| Employer contribution / active EE | $2,045 | $3,103-34.1% | $4,676-56.3% | $2,756-25.8% |
| Participant deferral / active EE | $4,689 | $3,453+35.8% | $5,629-16.7% | $4,299+9.1% |
| Admin fee / account holder | $536 | $7,993-93.3% | $15,914-96.6% | $6,940-92.3% |